HDFC Bank Complaints & Reviews

No point complaining. Am hoping that this would be an eye opener for folks who are planning to take an HDFC Standard Life Insurance (ULIP linked). In plain words it is not worth it.

My name is Anup and I work in the UK currently. Two and a half years ago, I felt that it would be a good idea to take an insurance and spent quite a lot of time discussing with ICICI, HDFC and SBI to get the best deal for my requirements/situation. I went with HDFC and took a policy with a high premium (obviously because the returns were claimed to be on the higher side). My wife on the other side went with the SBI Life policy for a relatively smaller amount.

We knew that ULIPs are costly and that the company (HDFC/SBI) would take a cut (eg approx 55% in the first year, around 12% in the second and keeps going down every year hence). Well, almost three years of investment later, my wife's SBI portfolio is 8% profitable while my HDFC portfolio is at a staggering 40% loss.

I did factor in the recession attribute which ate into the profits but comparing the two - it looks like HDFC is losing the plot BIG TIME. My personal investments fared a lot better. Am sorry to generalize and people may differ on this but HDFC customer service is not great either. I am a guy who believes that if a service provider takes ages to return your mail/calls, it is an indication to get the hell out of that relationship. After multiple attempts, I had got through to my HDFC fund manager who asked me to wait for 5+ years minimum for the portfolio to even out. FIVE YEARS!!!! We scheduled a follow up call two days later and the dude never showed up. I sent another query email last month and no response yet (26 days and counting). Apologies - I lied - I got an immediate automated reply thanking me for my query.

Am sunk in this mess and I lose a lot of sleep over my HDFC investment. Given that I have invested quite a big amount (by my standards), I am planning to continue till the end of the third year and stop further investment. That will cover the minimum term requirement mandated by HDFC. There is no point jumping out now as that will give HDFC a chance to rip me completely off whatever I have invested so far (fine print within the policy).

The guy who sold the insurance policy to is no longer with HDFC. Might have got fired for not finding more bakras like me.

Anyways folks - I strongly believe that everyone should take an insurance but I would not advise HDFC. They may be great for home loans but stay away from their insurance products. And please, this is not an advertisement for SBI Life or any other provider/product. If you have someone in your family or close friends you can trust, try taking a policy via that route.

For me - I will wait and see if anything improves in my HDFC portfolio after 5 years (two more years) as advised by the great fund manager.

Take care and stay safe from such disasters
Anup

My a/c: [protected]
Incident date: April 30, 2010

I am really ashamed of keeping my account with HDFC bank when I tried to withdraw an amount of 16 Lakhs from my NRE savings account.

Before, I go to the home branch (Ashok Nagar, Chennai), I called (from Bangalore) phone banking officer and asked about withdrawing money of the above mentioned amount in single shot. She advised me to go to the home branch and withdraw that amount by submitting self cheque.

So, I traveled to Chennai and went to Ashok Nagar branch of HDFC bank with my father-in-law to withdraw the money. When I submitted self cheque (around 12:30 PM) to the teller, they told that they cannot pay the money and asked me to come in two days and get part-by-part. I told them that
phone banking officer advised me that I can get it in single shot for which they argued that phone banking officer misguided me (without any bother of HDFC account holder). I firmly told that I need to withdraw 16L then itself as I needed it for some personal reason. Finally, they let me talk to branch manager and he was the one really made me to feel ashamed of being HDFC bank NRE account holder. He insulted me that he will file a suspicious case against me so that he will delay the process (which is a great insult for me!). Also he told that he does care where I am coming from when I told that I am coming from Bangalore for this purpose only. He was asking me a letter describing that I need to withdraw the money and the reason for withdrawl. I firmly told that I can give you the letter but I cannot mention the reason for withdrawl as it is personal matter.

My father-in-law is a staff of Bank of India and he introduced himself for which HDFC branch manager told that "you are my senior and I will do it for you". It was a great insult for me. I was wondering if I was the customer of HDFC bank OR my father-in-law. This clearly shows that each customer needs to
bring a Government bank staff to deal such matters. what a shame to HDFC bank!

Finally he gave me the money for my father-in-law from my account! (what a shame!) after getting the letter describing "need to withdraw for personal reason".

This is a horrible experience and made me to decide to close the account soon and go for better bank and make HDFC to loose a very good customer!
I wanted to bring this to your notice that such manager (manager, HDFC bank, ashok nagar branch, chennai) is really great shame for HDFC bank!

Thanks
Jaikumar S

I have purchase the REPO vehicle Pulsar from Centurion Bank of Punjab (Now HDFC Bank Ltd) in 2007.That time I deposited Rs 23000 and NOC for the same provided to me by Bank. Now I want to change the ownership of that pulsar on my name but HDFC bank refuse to re-new the NOC provided by Centurion bank. I have visited there local office located at Ind.Area ph 1 chandigarh. Met with Mrs Saloni ( Customer service manager ) & Amit in TW department but they refused to help me……please do the needful to resolve the issue…my contact no [protected]..

Scan copy of old NOC and RC also attached for the reference...kindly help me

Hello, Sir I am Sarbjit Kaur. After giving the exams of B.com 1st year (Professional) our vocations are going on. In these vocations we have to get training relating to bank. We visited to your bank branch,near hanuman chownk Gurdaspur. But the manager of that bank did not grant us to get training there. They told us that We do not have authority for this from our Head office. We receive wriiten letter from our college for internship of 6 weeks. So, Sir plz give them instructions in this matter. We have already pass our letter form to them which will be sent to you latter on. Plz help us in this matter, so that we can get practical knowledge about Banking.

Yours Sincerly,
Sarbjit Kaur,
Phone No. [protected]

I have salary Account In HDFC bank and i applied for Personal Loan after so much of follows to the Executive simply Sending SMS DUE TO PATNERSHIP COMPANY LOAN GETS REJECTED .

Loan Rejected no problem But after lot of follows simply sending sms is not good.

This is way they will treat there customers.

Eswaran
Bangalore

Dear HDFC bank,
I am having HDFC bank Credit Card with Credit limit of 1, 13, 000 Indian Ruppee,
and I have just used 4300 Rs, and when I needed the transaction online which was urgent need of mine.
it denied the transactions saying insufficient funds which in turn gave me a financially loss o[censored]SD 1600
after repeated number of request to customer service my query was not solved and my complaint was not lodged. I even had a word with Mr Surabh Kumar Credit card divison on chandigarh number and nothing was done. I even tried by resetting my password and using new password the transaction was denied.

I need the loss occured to me to be reimburse as it is not my fault and it always showed insufficient funds as I am using Forex Account. I needed the Credit Card utmost and it failed which gave me a financial loss o[censored]SD 1600

Kindly reimburse the same to my account .[protected]

Vivek Sharma
[protected]

[protected]@gmail.com

Hi,
This is to bring your attaention towards the ongoing fraud done by HDFC bank with me as i am really upset of this.

I had a credit card from the HDFC bank no [protected]. Back in sep 2009 i requested for the settlemnet with the bank for which they agreed for the amt of 13800 which was supposed to be paid in 05 instalments i agreed and in october 2009 my father had a brain stroke so i was going thrugh finanicial cisis but i didnt stopped paying them i called up customer care and requested them to increse the instalments to 08 for which i was confimed will be taken care of as per that i completed my paymnet in april 2010.

But the most shocking part was that on 30th of Apr 2010 my salry was credited to my bank account and they freezed without intimationg me they withrawn all my amiount even though after paying off and they are still demanding me to pay 35000 more and they are keep harrasing me

Hence i would request you to please help me out with the same i have been calling ebvery one on the nos given by them but they are doing nothing else other than abusing me

If any further more details required please do not hesitate to call me or contact me @ [protected]

Regards,
Dhruv Rajvanshi

To, From,
The person Concerned, Vineet Mishra,
EPF Office, Mumbai Jharsuguda, Orissa
Ph:[protected]
Email:[protected]@rediffmail.com







Sub: Regarding delay in receiving my PF





Respected Sir/Madam,

I am an ex-employee of HBL GLOBAL Pvt Ltd, Mumbai, named VINEET MISHRA bearing employee code no: VO5994 and my EPF account no was MH/45327/80611 of HDFC BANK, po_dist JHARSUGUDA, State-ORISSA.
I have applied for my PF between the month of July,2009 and was reverted in the 8th of March 2010 by Ms Shivani on the following ph nos.[protected] extn-1001 wherein I was informed that my PF file was under process and it would take 45 working days for the sanction. Again on calling on the same Ph No with the same extension no after 45 days on April 20th 2010, as my PF was still pending again a lady informed me that my file was received on the 18th March 2010 and would take 2 months for processing on telling her about the information received by MS Shivani she handed over the call to a gentleman who again gave me another contradicting statement saying that it would take 20 working days, without revealing their names they gave me extension nos to call on for further queries regarding my PF status the no. are (i[protected] extn 2303 which is never received by anyone they made a fool of me by saying that by calling on this number my PF account will b processed soon , but to my utter disappointment this extension no is never available.
So I kindly urge you to look into the matter and treat is as urgent as your staff are not sure of their job and have been misguiding me and harassing me .Awaiting for a favorable right guidance from your end as I am helpless regarding this issue of mine.

Dt:3/05/2010 Thanking you
Yours Sincerely
VINEET MISHRA

On 26th April 2010 my brother ( bala ) kidnapped from his residence by four members ( one person name and phone number is mr sarangan [protected]working in HDFC) came of Collections and of came and trespass and kidnap in the house and got documents evidences bills certificates and seal of the company and kidnap my brother to their spot and demand the money of 4.5 lakhs on the same day immediately have so I paid now I don’t know his stage where he is. I gave complain in regard of this but they are taking steps faster. Please arrange steps faster to search my brother. Now hdfc bank give support to him and take Mr bala to mumbai and they are asking more money i don't now what i have to do Now. I came to know one thing HDFC is not a bank they are kidnapers. So please alert your self.

If any body know how to solve it contact me in at
[protected]@lawyer.com or cell [protected]

I had been a employee of HDFC Standard Life since June 2006 to May 2009 with employee code 7204.
When I resigned I was assured of waiver of notice pay which my line manager had to convey to the HR.
My Line Manager resigned after some time and the HR was also shifted o mumbai.
As the proof of this assurity given to me and making sure that this is properly conveyed to the HR people,I mentioned about my case and this assurity in my Clearance Form/Certificate which had to be sent to the HR directly by the employee(resigning) that I had such issues which need to be addressed before making my settlement.
Even after all this the notice period was deducted and the issues were not addressed.
On contacting the HR officials the series of Trial mails were flown but all end up in vain.

I personally went to the HR at Kanpur,Mumbai to explain my case but failed.

It was my hard earned salary,my disappointment is that even after mentioning of the issues clearly in the Clearance Form/Certificate if they are not addressed then what is the point in asking the out going employee of any issues that need to be addresses and if its the negligence on part of HRs should the ex-employee to suffer?
If the assured things are not conveyed up the organizational hierarchy,how can a junior employee cross the hierarchy and get the clearances and even when he is not anymore in the system?
I am very disappointed with this attitude o the HRs who themselves donot follow the company's values which stresses so much on it's people care.
I request you to please register my complaint against the HR Mrs Ritika Tulsi posted at Mumbai OfficeHDFC Standard Life and would request to please do the needful.

SUB : REFUND OF PROCESSING CHARGEG

SIR,

With reference to above cited subject and file No.[protected]/ANIND . I have applied for HOUSING LOAN of RS. 1300000/ only for a property at Meerut , through your bank initially your bank has principally approved the above loan amount but latter on refused for disbursement of loan with claws that the said property is not approved by MDA.
You are requested to Pl . Arrange to refund at the earliest the amount given below -:

1- Processing fee amount of RS. 7163/
2- Legal document preparation fees RS. 1900/

Mr. KAMAL kumar of your branch was involve in this matter now he is not picking my phone .

Regards,
ABHISHEK
SIMBHAOLI SUGARS LTD.
SIMBHAOLI , GHAZIABAD
MOBILE NO: [protected]

Dear Sir,

I was holding HDFC credit card which was lost and I logeded a complaint regarding this to HDFC customer care. And after few months I got credit card bill saying that there was amount due on my card. i asked them clarification of charge slip. they produce the charge slip which was not matching with my signature, so I refuse to pay this amount. Now they have pasted with charges of 10 times greater than original amount on non payment. Please help me out in this case.

Regards,

Kalim,
[protected]

Dear Sir / Madam,

I just called on HDFC telebanking.1st for their customers they are not providing any tollfree number facilities.
2ndly i called on landline number where i was tried atleast not less then 6times.then finally when i connected with the execetive he was not able to answer again he cut down my call.

This is really something newsense.atleast they should remember that we are there customers.

Kinldy take this in your notification,and take the best actions.

Dear Sir,
I have a saving account in hdfc bank in Moga branch ( acc--[protected]) i applied car loan last month aginist my used car swift maruti model 2009 amount 3 lacs. I sibmited all necessary documents at G.T. ROAD MOGA branch and madam Mamta take care my loan file.But after 7 days madam Mamta called me said your driving lisence is not clear copy and give me your origional Driving Lisence and then i will give u back your origional id. Then after two weeks Mamta called me and told me we cannot approve your loan because you already got loan and you are bank defaulter.But i told her i never get any loan from any bank in my life.But she told i donnot know and i cannot do anything. When i asked for my origional Driving Lisence she said wait two--three days i am calling to Mr. Guriqbal Singh in HDFC bank Ludhiana Branch, but after one week Madam Mamta said i am sorry your Driving Lisence is lost.She gave me mobile no of Guriqbal singh (HDFC BANK LUDHIANA BRANCH). When i call to Guriqbal Singh , he replied i donnot know regarding your driving lisence and donnot call me,,,, talk to Madam Mamta for this matter.I know they all are cheating with me and make me stupid.I am so shocked and sad and telling you nobody understand his/her duties and responsibility in GT ROAD MOGA BRANCH.
I have two complaints at this time first regarding my car loan, because i never got any car loan from any bank. And i never co-sighn for any person for any loan.My car loan file control number[protected]. please help me for this matter.
My second complaint againist Madam Mamta. She cheating with me and donnot behave me as a good costomer.HDFC Bank is my favourite Bank and i want to long relationship with HDFC.
Please help me for his matter( car loan) and replied me as soon as possible, because i have a clean bank record. my email id----- [protected]@yahoo.com my moble contact number--[protected].
Yours Faithfully,
Gurdev Singh,
village and post office-- Kaliewala,
Teh and dist- MOGA,
PUNJAB.

Dear Sir,

I am anand Since last 3 years we use Credit card of HDFC Bank
Cr. Card No [protected]

1st we use 8000 then we clear payment 8500 on cash .
2nd time we use at least 10000/- But When bill gennerated 14500/- We are not used in 4500/- Vodafone Amount bills.
We already inform hdfc bank /credit card Department . but he is not any co-operate. We paid 5 to 6 Instalment.
Previous year 3 To 4 months I am Not in job so I will not able to pay 28000/- As per bank Last mr. Lalit Cr card dept has convince me for settelement he send me letter 11500/- In 8 Instalment . i will clear all this in 6 installment. So Pls update

dear sir

this is with reference to credit card payments of HDFC bank, i m sufferung from very bad service of HDFC card from over 3 years now, recent issue is as follows

there were many problem with HDFC late payment charges on my accounts, finally they agreed and reversed the charges on which i used card for further use (this was happening from many month) due to continue of problem i visited HDFC chandiwali branch (CC collection department andheri(E) mumbai) and met Mr. Kamble Asst manager Debt where on his following promises i made cash payment of Rs. 3,000/- and continue using card

promise
1. Reversal of late payment charges
2. each month cheque/cash pickup facility

i had to fight for reversal, and person never came to collect payments in spite my calls to captioned office of the bank, due to such things i block my card on my own, again on reversal of late payment i made payment of 15,000/- and as per telecom with bank i was promised NOC of CIBIL on receipt of which i was to make balance payment, i did made payment but NOC never reached due to which i had to bounce my cheque, after this when i spoke to bank they informed me over phone that i was passed on wrong information, then they informed me that CIBIL NOC can only be issued after i get my payments clear

due to series of wrong promises over phone and meeting (they are not giving me any thing in writing) i had ask them to give me a letter on HDFC letter head duly signed and sealed by authorised officer stating my final payout and also promising me to grant me CIBIL NOC

i am witting mails to them from many month now, there are 100s of mails floating but bank is not ready to give any thing in writing and each month they are increasing my payout, i have put a very clear mails to HDFC BANK stating that i will not pay a single rupee till the time i received letter from bank stating final payout as on date of my first mail asking for letter (i.e. Rs 6,300 approx which i am ready to pay)

on top of all now they have stared call my residence in spite they have my cell number with them, and they are talking to my parents in very abusing and un-professional manner

kindly guide me on the issue at earliest

--
Regards,
Vishal Ashar
[protected]

As I am the account holder of hdfc bank & standard chartered bank.As i realized one thing while making payment through our debit card their should be some secret code without which nobody can acess our card.As some body lose his/her vallet than anyone can do shopping with cards only.if their is some pin system like while withdrawing money from atm that would be better than person dont need to worry if he/she lost his card.Like this...

My name is Jayant Kukreja & i am a saving account holder in hdfc bank ltd ,commerce house branch,indore. my account no. is [protected] .my complaint is regarding the twice debit of a amount of rs.6000 which i have withdraw only once. The withdrawal day is 19th feb. 2010 but instead of lots of efforts bank is not cooperating with me and not providing the proof of the withdrawal. Even the branch manager is also behaving very casually. So, i request you to look after the matter and do the needful

I had applied a new ATM debit card on 12-Apr-2010 through the bank representative in my office. While applying they informed me I will be receiving it in 8 days. Then I inquired on 19-Apr-2010 about my card since I haven't received till that date.They said your application haven't reached our bank.After three days(22-Apr-2010) they called me back and asked me to give new application and on (23-Apr-2010) I had given the new application. Then today I had called them and enquired about the status again they are saying that my application has not reached the bank.

What will they do I haven't made payment for my credit card on time? So whose responsibility is this?If there is problem with the representative means the bank should have rectified this when I am complaining for the first time?

HDFC BANK complaint no : BAN065176

Even the bank doesn't have the contact number of their representative. They are asking me the number of their represntative.

Dear sir,

I am Hardik Doshi from Mumbai, I had taken a Floating Home Loan from Centurion Bank Of Punjab Ltd in August 2007 @ 12.79% p.a. Later the Bank was taken over by HDFC Bank Ltd.

Currently the Home Loan Rates for New customers which All bank including HDFC Bank Ltd is offering is around 9% p.a.. However still i am being charged 13.25% p.a.

Although my loan was with floating interest the bank is not willing to reduce the interest rates which is resulting in annual loss of almost Rs 200000.00 ( Rs Two Lacs Only ) per year

Hence kindly help me in the same

Hardik Doshi
Off No 3A, Anandi Villa, 12 Lajpatrai Road,

Vile Parle (W), Mumbai 400056.

Tel :[protected] / 26184346.

Telefax :[protected].

Mob :- 0091-[protected].

Email :- [protected]@yash-impex.com

Website :- www.yash-impex.com